Record a promise-to-pay

curl "$BASE/v1/servicing/cases/case_HBR_COL_51" \
  -H "Authorization: Bearer $TOKEN"

Confirm the case is open, Harbor is still past due, no payment covering the promise is in flight, and no restriction blocks the proposed follow-up policy. The case response includes contextFreshness; refresh stale core facts before offering terms.

curl -X POST "$BASE/v1/servicing/cases/case_HBR_COL_51/promises" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: hbr-promise-2027-05-01" \
  -d '{
    "loanId": "7204",
    "commitments": [
      { "amount": "260.00", "dueDate": "2027-05-08" },
      { "amount": "257.14", "dueDate": "2027-05-22" }
    ],
    "sourceInteractionId": "int_HBR_CALL_91",
    "borrowerConfirmedAt": "2027-05-01T10:18:42-07:00"
  }'

{
  "promiseId": "ptp_HBR_71",
  "caseId": "case_HBR_COL_51",
  "loanId": "7204",
  "status": "active",
  "guardrailDecision": "within_policy",
  "commitments": [
    { "amount": "260.00", "dueDate": "2027-05-08" },
    { "amount": "257.14", "dueDate": "2027-05-22" }
  ],
  "version": 1
}

An out-of-policy horizon, amount, or installment count returns an explainable approval requirement. It never silently clips the borrower’s terms.

Run evaluation after each commitment’s grace policy ends, or let the scheduler invoke the same operation. Submitted or merely settled payments are not assumed posted.

curl -X POST "$BASE/v1/servicing/promises/ptp_HBR_71/evaluate" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: evaluate-ptp-hbr-71-2027-05-23" \
  -d '{ "asOf": "2027-05-23T08:00:00-07:00" }'

{
  "promiseId": "ptp_HBR_71",
  "previousStatus": "active",
  "status": "kept",
  "qualifyingPayments": ["9014", "9015"],
  "evaluatedAt": "2027-05-23T08:00:01-07:00"
}

A partial payment records partially_kept; a missed commitment records broken and can wake a follow-up task. The original promise and all revisions remain visible.